Dental Insurance – Virginia
Get Free Quotes on Virginia Dental Insurance
Before you purchase a dental insurance plan for you or your family, make sure to do your research. DentalInsurance.com provides free quotes and information from some of the leading dental insurance providers in Virginia, allowing you to compare plans side by side to choose the most effective plan for your family. Start comparing quotes in your area by just typing in your zip code above. Before you begin though, make sure to understand how the different types of available plans work.
Types of Dental Insurance Plans in Virginia
Dental insurance plans in Virginia fall into five different types. Choosing the plan that’s right for you will depend on your family’s needs, and the types of procedures you believe you will need. Understanding these differences will help you find an affordable dental insurance plan that works for you. The types of insurance include:
- DHMOs (Dental Health Maintenance Organization)
- PPO (Preferred Provider Organization)
- Indemnity Plans
- Dental Fee Schedule
- Discount Dental Plans
Indemnity plans are a type of “fee-for-service” plan, in which providers agree to cover a certain percentage of a UCR (Usual, Customary, Reasonable) fee. The UCR fee is essentially the average cost of dental care provided by dentists within the area. Indemnity plans may require higher out-of-pocket payments since they make reimbursements after receiving and reviewing a bill, but generally cover a significant portion of the cost of dental services. They also allow you to seek care from any dentist you wish, without having to work within a network. Be sure to familiarize yourself with each provider’s fee schedule if you’re shopping for indemnity plans, as well as how often they update their fee schedule. Indemnity plan providers in Virginia include Security Life, American National, Nationwide, Transamerica (Encore), and Delta Dental.
Discount Plans allow patients to seek unlimited dental care at a discount rate without having to fill out reimbursement forms. Discount cardholders pay an enrollment fee and a small annual or monthly fee for this discount card, and there are no caps or deductibles. Plans vary widely in terms of the discounts they provide for various procedures, and patients are typically required to pay the entire amount of the service that isn’t covered by the discount, so be sure to check each provider’s discount fee schedule. Discount plan providers in Virginia include Dominion, Patriot, Careington, DentalSave, Aetna, and Argus.
PPOs (Preferred Provider Organizations)
PPOs (Preferred Provider Organizations) provide a network of dentists for subscribers to choose from. These dentists agree to offer their services at a discounted rate in exchange for access to the PPO’s patient pool. The providers pay a significant portion of the discounted rate, and patients are responsible for what is left over. PPOs usually require a deductible and waiting periods for certain services, and may not offer the same coverage for dentists outside the network. Check with each provider to see what types of restrictions their plan might require. PPO providers include HumanaOne, Delta Dental, and Nationwide.
DHMOs (Dental Health Maintenance Organizations)
DHMOs (Dental Health Maintenance Organizations) often have the lowest costs among other types of plans, but may also have higher restrictions. DHMOs pay highly qualified dentists a fixed monthly rate per patient in the pool, and patients then receive care for free or at an extremely reduced discounted rate. The idea is that dentists under this type of organization are incentivized to provide high quality preventive care in order to avoid more complex procedures. There may be a limited number of dentists available to the DHMO, and costs of care outside the organization may be much higher. Check with the provider to see how many dentists are available to the patient pool. Dominion is the only DHMO available in Virginia.
Fee Schedule Plans
Fee Schedule Plans plans are similar to indemnity plans, but often work within a network like PPOs. They also tend to have lower premiums than most PPO and indemnity plans. Fee schedules are based on a UCR fee similar to an indemnity plan, which usually updates on a regular basis. Fee schedule plans usually have a calendar year maximum and may have waiting periods for certain procedures. The only fee schedule plan provider available in Virginia is Security Life.